Citizens Financial Group, Inc. · NYSE:CFG

Citizens Financial — BancAnalysts Association of Boston Conference 2017

8 slides from Citizens Financial's conference presentation, Nov 3, 2017

  1. Slide 1: BancAnalysts Association of Boston Conference

    BancAnalysts Association of Boston Conference John F. Woods Chief Financial Officer Brad Conner Vice Chairman, Head of Consumer Banking Don McCree Vice Chairman, Head of Commercial Banking November 3, 2017

  2. Slide 2: Forward-looking statements and use of key performance metrics and Non-GAAP financial measures

    Forward-looking statements and use of key performance metrics and Non-GAAP financial measures This document contains forward-looking statements within the Private Securities Litigation Reform Act of 1995. Any statement that does not describe historical or current facts is a forward-looking statement

  3. Slide 3: Further opportunities to improve returns

    Further opportunities to improve returns Since 3Q13, delivered ~580 basis points of improvement in ROTCE to 10.1%(1) Balance Sheet Optimization (“BSO”) Improve risk-adjusted returns and NIM while driving growth  Enterprise-wide initiative with the same intensity and rigor as our TOP efficiency prog

  4. Slide 4: Further opportunities to improve returns: Fee Income

    Further opportunities to improve returns Fee Income Consumer Commercial Wealth Capital & Global Markets  Investments in FCs and sales, technology  Broaden capabilities in DCM, M&A, CRE platforms and products with shift toward managed money  New FX options/currency swaps platform and capabilities

  5. Slide 5: Further opportunities to improve returns: Continuous Improvement

    Further opportunities to improve returns Continuous Improvement  Self-fund investments through efficiency, expense discipline and mindset of continuous improvement  Use new technologies to deliver more effective outcomes at lower costs TOP IV program targeting run-rate pre-tax benefit of ~$95 - $1

  6. Slide 6: Appendix

    Appendix %£ Citizens Financial Group, Inc”

  7. Slide 7: Key performance metrics, Non-GAAP financial measures and reconciliations

    Key performance metrics, Non-GAAP financial measures and reconciliations $s in millions, except share, per share and ratio data FOR THE THREE MONTHS ENDED SEP. 30 JUN. 30, MAR. 31, DEC. 31, SEP. 30, JUNE 30, MAR. 31, DEC. 31, SEP. 30, JUNE 30, MAR. 31, DEC. 31, SEP. 30, JUNE 30, MAR. 31, DEC. 31, SE

  8. Slide 8: Citizens Financial Group, Inc.

    3< Citizens Financial Group, Inc.”

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